🎉 SPECIAL OFFER: Save 50% on setup fees for new accounts this month! Contact us today!
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Modern payment processing terminal with contactless payment

#1 Payment Processing provider in Miami FL

Complete merchant processing, payment solutions & Point of Sale for high risk industries. Coupled with the Best Rated Chargeback management security, PCI Validation, and 24/7 support. Get approved in minutes and start accepting payments today.

2.49% Processing Rate
Competitive transparent pricing
Next Day Funding
Fast access to your money
Get Allied Wallet & EMV Card Reader for small business
best Payment Processor for WeChat Pay Near Me
Visa
Mastercard
American Express
Discover
Amazon Pay | BlueSnap
Chase Bank | Clover
Google Pay | Klarna
ACH/eCheck
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Get Your Custom Rate

No obligation • Instant approval • Setup in 24 hours

What's Included:

Free Payment Gateway
Virtual Terminal
Mobile Card Reader
PCI Compliance
Fraud Protection
24/7 Support
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50,000+ Merchant Served
$2.5B Buy Now Pay Later (BNPL) Processed Annually
99.9% Uptime Guarantee
#1 High Risk Pay Businesses

About Sunshine Merchant Funding | Miami FL

Does your Miami Company need Credit card processing, Credit card processing, Debit card processing, auto loans, Online Bill Pay Portal, Check Card, and MCA for small business?

Find the Best High Risk Merchant Account near you.

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High Risk Merchant Account

Accept all major credit cards with competitive rates and instant authorization.

  • Visa, Discover, Mastercard, Business Credit Card
  • EMV chip card support
  • Instant Payment Confirmation
  • Real-time mobile payments reporting
  • Chargeback protection
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Merchant Services in FL

Secure online payment processing for e-commerce and virtual transactions.

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Mobile Processing

Accept payments anywhere with our mobile card readers and apps.

  • Dropshipping POS & mobile card reader
  • iOS & Android apps
  • Offline transaction capability
  • Digital receipt delivery
  • Omnichannel
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Virtual Terminal

Process phone and mail orders through our secure web-based terminal.

  • Browser-based Cryptocurrency for Alipay Miami professionals
  • Customer database
  • Pool Services Debit card processing Vendors
  • Amortization for Miami HVAC
  • Ranked Best Event & Ticketing POS specific to Allied Wallet company
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Point of Sale

Complete POS systems for retail and restaurant businesses.

  • Touch screen terminals
  • Inventory tracking services
  • Payment analytics
  • Cloud-Based POS for Miami Business
  • Tokenization & 3D Secure
🏦

ACH Processing

Electronic check processing and bank transfers with lower fees.

  • Lower processing fees & merchant fees
  • Online Bill Pay Portal Miami
  • Recurring ACH payments
  • Same-day processing
  • Risk management & AML (Anti-Money Laundering) tools

Best E-commerce Solution for App Developers in Miami

Best Rated Payment Processing Non-Profit Organization to enhance security, grow your business & improve efficiency. Connect CDGcommerce Company to get help with PCI compliance in Miami FL

Best Miami Chase Paymentech Corporations

2.9%
+ $0.30 per transaction
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Markets We Serve

2.6%
+ $0.25 per transaction
  • Cloud POS
  • Digital wallet Payment gateway
  • Wireless POS Terminal with 3D Secure
  • Advanced TransUnion reporting
  • Liquor Store POS with Next Day Funding
  • Tip Management & Miami Employee Time Clock
  • High Risk Merchant Account Providers for Government & Municipalities in Miami
Get High Risk Merchant Account

High Risk Merchant Account Businesses Miami

National Wide
+ $0.20 per transaction
  • Pool Services Mobile Payment Processing| Print-on-Demand Point of Sale
  • Payment gateway for Miami Print Shops & Subscription Box Service Businesses
  • Probate Services Miami | Professional Training Sales System
  • Property Enhancements POS | Property Inspection ACH Processing
  • FSA Card services for Property Management
  • Property Managers Credit card processing Service in Miami
  • PropTech Enterprise | Psychiatrists in Miami
Contact Sales

Bank-Level Security

Your customers' data is protected with the highest security standards in the industry.

Cybersecurity and data protection visualization
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Basis Theory versus EMV Card Reader for Subscription Box Service

We maintain the highest level of PCI compliance to protect cardholder data and ensure secure transactions.

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Payment Processing for High Risk Enterprises

Discover Trusted Merchants in Miami to grow your Medium Sized, Small or Big Business. We serve High Risk Pay industries such as Online Gaming & Gambling & Pawn Shops to scale your startup, expand your enterprise, support your local business, and strengthen your payment Network.

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About Sunshine Merchant Funding Payment

N/A

Frequently Asked Questions

Our Credit card processing Companies & POS System Firm are 100% committed to making high-risk payment processing simple for Miami Firms owners.

Most merchants can be approved and processing payments within 24-48 hours. We offer instant approval for qualified businesses, and our team will have you set up and ready to accept payments as quickly as possible.

Our rates start at 2.4% + $0.20 per transaction for qualified businesses. Exact rates depend on your business type, processing volume, and average transaction size. We provide custom quotes with transparent pricing and no hidden fees.

No, we don't require long-term contracts. Our services are month-to-month, giving you the flexibility to change or cancel your service with 30 days notice. We believe in earning your business through excellent service, not contracts.

Standard funding is 2-3 business days. We also offer next-day funding and same-day funding options for qualified merchants. Funds are deposited directly into your business bank account.

We provide 24/7 customer support via phone, email, and live chat. Our U.S.-based support team includes payment processing experts who can help with technical issues, account questions, and business optimization.

Yes, we offer APIs and integrations with popular e-commerce platforms, accounting software, and POS systems. Our technical team can help with custom integrations to ensure seamless operation with your existing workflow.

What Our Miami Merchant provider Say

Join thousands of Miami Businesses and FL entrepreneurs who depend on Merchant-Banks for our Sample merchant_products to merchant accounts payment processing needs.

Happy business owners and satisfied customers
"Their Merchant account transformed our Miami business. our rates are contract terms, setup was extremely within 24 hours, and your team is always available when we need them. We've increased our payment processing efficiency by 40% since switching."
SM

Sarah Kerr

Psychologists CEO
★★★★★
"our Headless Commerce Payment Integrationintegration with our Travel Agency e-commerce platform was seamless. Furthermore, we were processing payments within hours of signing up. The payment gateway is fast, protected, and our consumers love the smooth checkout experience."
JK

James Kim

Online Retailer
★★★★★
"Moving from our old processor to Merchants was the best business decision we made this year. Lower rates, better service, and the mobile solutions are perfect for our Public Schools business."
AL

Justin Lopez

Quarrying – Stone & Gravel Owner
★★★★★

Ready to Start Processing Payments?

Join thousands of local Miami Business that trust the Best Merchant Banks for Debit card processing in FL. Get approved in minutes and start accepting debit & credit card payment today!

📞 Call (888) 325-0061 💰 Get Free Quote

Our 100% Satisfaction Guarantee

We're confident you'll love our service. If you're not completely satisfied within the first 30 days, we'll help you switch back to your previous processor at no cost. No contracts, no hidden fees, no hassles.